【摘要】：21世紀(jì),信息化已融入世界的各個(gè)領(lǐng)域,成為各個(gè)領(lǐng)域創(chuàng)新與突破的重要體現(xiàn)。在這樣的大環(huán)境下,銀行產(chǎn)業(yè)作為傳統(tǒng)的金融行業(yè),如若固守于傳統(tǒng)思維,會(huì)制約行業(yè)的發(fā)展。怎樣提升貸款品質(zhì),降低惡意貸款幾率,完成貸款過(guò)程的集中、合規(guī)經(jīng)管,如何核實(shí)貸款人資本的安全性,提升借貸在經(jīng)管中的程度,另借貸事務(wù)過(guò)程標(biāo)準(zhǔn)化,增強(qiáng)銀行借貸決策的合理化,成為國(guó)內(nèi)整個(gè)銀行業(yè)面臨的一個(gè)巨大問(wèn)題。負(fù)債業(yè)務(wù)的收入是建設(shè)銀行的主要資金渠道來(lái)源,是支撐銀行產(chǎn)業(yè)生存與發(fā)展的核心要素。由此可見(jiàn),只有將信貸業(yè)務(wù)發(fā)展壯大,才能讓銀行在激勵(lì)競(jìng)爭(zhēng)中占有一席之地。本文中的系統(tǒng)是基于SQL Server數(shù)據(jù)庫(kù)和J2EE平臺(tái)等開(kāi)發(fā)的,本文描述了建設(shè)銀行信貸管理信息系統(tǒng)的主要開(kāi)發(fā)過(guò)程,該系統(tǒng)設(shè)計(jì)的關(guān)鍵模型包含:客戶(hù)信息經(jīng)營(yíng)管理模型,借貸事務(wù)經(jīng)營(yíng)管理模型,借貸利息經(jīng)營(yíng)管理模型,報(bào)表經(jīng)營(yíng)管理模型,借貸系統(tǒng)經(jīng)營(yíng)管理模型。本文充分分析了建設(shè)銀行信貸管理系統(tǒng)的基本結(jié)構(gòu),按照軟件工程的理念和銀行內(nèi)部需求,從功能角度進(jìn)行設(shè)計(jì),同時(shí),借助UML面向?qū)ο蠼＜夹g(shù),并根據(jù)設(shè)計(jì)需要,提供了使用例圖,然后對(duì)系統(tǒng)進(jìn)行了總體的設(shè)計(jì),又針對(duì)貸款業(yè)務(wù)中不同的流程以及業(yè)務(wù)分類(lèi),進(jìn)行模塊功能額實(shí)現(xiàn),最后對(duì)本文所設(shè)計(jì)的建設(shè)銀行信貸管理系統(tǒng)功能進(jìn)行測(cè)試。本文對(duì)建設(shè)銀行信貸管理系統(tǒng)的開(kāi)發(fā),有助于實(shí)現(xiàn)建設(shè)銀行向“以客戶(hù)為中心”的一貫服務(wù)理念,推動(dòng)建設(shè)銀行內(nèi)部管理和外部決策信息化,全面提高建設(shè)銀行的經(jīng)營(yíng)管理水平和風(fēng)險(xiǎn)防范水平。
[Abstract]:In the 21 st century, informatization has been integrated into every field of the world and has become an important embodiment of innovation and breakthrough in all fields. In such an environment, the banking industry as a traditional financial industry, if adhere to the traditional thinking, will restrict the development of the industry. How to improve the quality of loans, reduce the probability of malicious loans, complete the centralization of the loan process, manage compliance, verify the safety of the lender's capital, enhance the degree of lending in the management, and standardize the process of lending. To strengthen the rationalization of bank lending decisions has become a huge problem facing the whole domestic banking industry. The income of debt business is the main source of capital of China Construction Bank and the core factor to support the survival and development of banking industry. This shows that only by expanding the credit business can banks have a place in the incentive competition. The system in this paper is based on the SQL Server database and J2EE platform. This paper describes the main development process of the credit management information system of China Construction Bank. The key models of the system design include: customer information management model. Loan transaction management model, loan interest management model, report management model, loan system management model. This paper fully analyzes the basic structure of the credit management system of China Construction Bank. According to the concept of software engineering and the internal requirements of the bank, it is designed from the perspective of function. At the same time, with the help of UML object-oriented modeling technology, and according to the design needs, The use case diagram is provided, then the overall design of the system is carried out, and the module function is realized according to the different flow and business classification in the loan business. Finally, the function of CCB credit management system designed in this paper is tested. The development of CCB credit management system in this paper is helpful to realize CCB's consistent service concept of "customer-centered", and to promote the informatization of CCB's internal management and external decision-making. The management level and risk prevention level of China Construction Bank will be improved in an all-round way.
【學(xué)位授予單位】：江西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類(lèi)號(hào)】：TP311.52

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